CN106412797B

CN106412797B - near Field Communication (NFC) -based service processing method and device

Info

Publication number: CN106412797B
Application number: CN201510463346.XA
Authority: CN
Inventors: 王钊
Original assignee: China Mobile Communications Group Co Ltd
Current assignee: China Mobile Communications Group Co Ltd
Priority date: 2015-07-31
Filing date: 2015-07-31
Publication date: 2019-12-13
Anticipated expiration: 2035-07-31
Also published as: CN106412797A

Abstract

The invention relates to the technical field of electronic technology and wireless communication, in particular to a service processing method and a device based on Near Field Communication (NFC). in the embodiment of the invention, after a first service terminal establishes NFC connection with a user terminal, the first service terminal executes first service processing aiming at a first service carrier in composite service processing on the user terminal, and controls second service processing aiming at a second service carrier in the composite service processing on the user terminal based on first service data after the first service processing is performed. Therefore, when the service terminal performs composite service processing, only one-time NFC connection is required to be established between the service terminal and the user terminal, in the whole service processing flow, the subsequent service processing in the composite service is performed based on the service data after the previous service processing, and the manual input of the intermediate service data is not required, so that the efficiency of the composite service processing process is improved, and the user experience of the user terminal side and the service terminal side is improved.

Description

near Field Communication (NFC) -based service processing method and device

Technical Field

The invention relates to the field of electronic technology and wireless communication, in particular to a service processing method and device based on Near Field Communication (NFC).

Background

With the rapid development of electronic technology, various portable service terminals are becoming more and more widely used, such as portable Point of sale (POS) terminals. In order to cooperate with the application of the POS terminal, the user terminal also starts to support the card swiping function of the POS terminal, and after the user terminal establishes Near Field Communication (NFC) with the POS terminal, the user terminal supports the POS machine to execute service processing on the user terminal. As shown in fig. 1, which is a schematic diagram of an existing NFC-based service system, a service processing flow is as follows:

1) The POS terminal selects a specific application through an application management module;

2) the POS terminal establishes NFC connection with the user terminal through the NFC connection module;

3) the POS terminal carries out user identity authentication through the authentication management module;

4) Both sides carry out a business processing flow;

5) The user terminal records service data;

6) the POS terminal synchronizes service data to a background service platform;

with the diversification and development of user terminals, service carriers such as a Subscriber Identity Module (SIM) card and a soft SIM card are gradually appeared in the user terminal, and these service carriers can store different service applications and service data, respectively, so that the possibility of executing composite service processing for one user terminal is greatly increased, where composite service processing refers to calling different service applications in the user terminal for multiple times in one service processing, such as coupons, loyalty cards, cash payment, and the like. In addition, the service end also has complex and diversified POS terminals, and different POS terminals bear different kinds of application services, such as merchant point POS terminals, financial consumption POS terminals, partner coupon POS terminals, and the like. With the diversification and development of service terminals, a service request of a user often requires multiple service processing processes on various POS terminals.

for the above composite service processing, the currently used solution is to execute multiple service processing, and bind a service terminal to a service bearer of a user terminal each time the service processing is performed, as shown in fig. 2(a) and 2 (b). In this way, the user terminal needs to establish NFC connection with the POS terminal many times, the user at the user terminal side and the user at the POS terminal side need to operate NFC connection many times, and the user at the POS terminal side needs to manually perform service processing recheck and input subsequent required service data.

Obviously, the existing composite service processing process is low in efficiency and cannot meet the requirement of service development.

Disclosure of Invention

The embodiment of the invention provides a Near Field Communication (NFC) -based service processing method and device, which are used for solving the problems that the existing composite service processing process is low in efficiency and cannot meet the requirements of service development.

The embodiment of the invention provides a service processing method based on Near Field Communication (NFC), which comprises the following steps:

After establishing NFC connection with a user terminal, a first service terminal executes first service processing aiming at a first service carrier in composite service processing on the user terminal; the first service carrier is a service carrier for bearing user information of a first application;

Controlling to execute a second service process aiming at a second service bearer in the composite service process to the user terminal based on the first service data after the first service process is carried out; the second service bearer is a service bearer for carrying user information of a second application.

the first service data is intermediate service data of the composite service processing procedure.

optionally, after establishing the NFC connection with the user terminal, the first service terminal performs, on the user terminal, first service processing for a first service bearer in the composite service processing, where the first service processing includes:

The first service terminal sends an NFC connection establishment request carrying identification information of a first application to the user terminal, and receives user information of the first service carrier fed back by the user terminal based on the identification information of the first application after the NFC connection is established between the first service terminal and the user terminal;

And after the user information of the first service bearer passes the validity authentication, executing first service processing aiming at the first service bearer on the user terminal.

Optionally, the controlling, by the first service terminal, second service processing for a second service bearer in the composite service processing performed on the user equipment includes:

the first service terminal determines a second application after switching according to pre-stored switching relation information between the applications, and executes second service processing aiming at a second service bearer corresponding to the second application to the user terminal; alternatively, the first and second electrodes may be,

And the first service terminal sends a bridging indication message to a second service terminal bearing the switched second application according to prestored switching relation information between the applications and the applications borne by different service terminals, wherein the bridging indication message is used for indicating the second service terminal to execute second service processing on the user terminal through the first service terminal.

optionally, the executing, by the first service terminal, a second service process for a second service bearer by the user terminal includes:

The first service terminal sends a user information acquisition request carrying identification information of a second application to the user terminal, and receives user information of a second service carrier in the user terminal fed back by the user terminal based on the identification information of the second application;

and after the user information of the second service bearer passes the validity authentication, executing second service processing aiming at the second service bearer on the user terminal based on the first service data after the first service processing.

Optionally, the performing, by the first service terminal, validity authentication on the obtained user information includes:

The first service terminal carries out validity authentication on the acquired user information according to prestored legal and/or illegal user information; and/or the presence of a gas in the gas,

And the first service terminal carries out validity authentication on the acquired user information according to the application identification information contained in the acquired user information and the identification information of at least one application bound to the first service terminal.

Optionally, the executing, by the first service terminal, the second service processing for the second service bearer by the user terminal includes:

The first service terminal determines second service data required for performing second service processing according to first service data which is stored by the first service terminal and is subjected to first service processing, and performs second service processing aiming at the second service bearer on the user terminal according to the determined second service data; alternatively, the first and second electrodes may be,

the first service terminal requests the user terminal to acquire first service data after first service processing; and determining second service data required for performing second service processing according to the first service data sent by the user terminal, and executing second service processing aiming at the second service bearer on the user terminal according to the determined second service data.

another embodiment of the present invention provides a service processing method based on near field communication NFC, including:

The second service terminal receives a bridging indication message sent by the first service terminal; the bridging indication message is used for indicating the second service terminal to execute second service processing aiming at a second service bearer in the composite service processing of the user terminal; the second service bearer is a service bearer for bearing user information of a second application;

Executing second service processing aiming at the second service bearer on the user terminal through the first service terminal based on first service data after the first service processing aiming at the first service bearer in the composite service processing executed by the first service terminal on the user terminal; the second service bearer is a service bearer for carrying user information of a second application.

Optionally, the second service terminal performs, by the first service terminal, second service processing for the second service bearer on the user terminal, where the second service processing includes:

The second service terminal sends a user information acquisition request carrying identification information of a second application to the user terminal through the first service terminal;

Receiving, by the first service terminal, user information of a second service bearer in the user terminal, which is fed back by the user terminal based on the identification information of the second application;

and after the user information of the second service bearer passes the validity authentication, executing second service processing aiming at the second service bearer on the user terminal through the first service terminal based on first service data obtained after the first service processing is performed on the user terminal by the first service terminal.

Optionally, the performing, by the second service terminal, validity authentication on the obtained user information includes:

the second service terminal carries out validity authentication on the acquired user information according to prestored legal and/or illegal user information; and/or the presence of a gas in the gas,

And the second service terminal carries out validity authentication on the acquired user information according to the identification information of the second application contained in the acquired user information and the identification information of at least one application bound by the second service terminal.

the second service terminal determines second service data for performing second service processing according to the first service data, indicated by the first service terminal, after the first service processing; according to the determined second service data, executing second service processing aiming at the second service bearer on the user terminal through the first service terminal; alternatively, the first and second electrodes may be,

The second service terminal requests the user terminal to acquire first service data after first service processing, and determines second service data for second service processing according to the first service data sent by the user terminal through the first service terminal; and executing second service processing aiming at the second service bearer on the user terminal through the first service terminal according to the determined second service data.

After establishing an NFC connection with a first service terminal, a user terminal reads user information of a first service carrier corresponding to a first application according to identification information of the first application indicated by the first service terminal, and sends the user information of the first service carrier to the first service terminal, so that the first service terminal executes first service processing aiming at the first service carrier in composite service processing on the user terminal;

after receiving a user information acquisition request carrying identification information of a second application sent by the first service terminal, reading user information of a second service bearer corresponding to the second application, and sending the user information of the second service bearer to the first service terminal, so that the first service terminal controls to execute second service processing aiming at the second service bearer in the composite service processing on the user terminal.

optionally, the method further comprises:

the user terminal stores first service data after first service processing after the first service terminal executes the first service processing;

and when the first service terminal controls to execute second service processing aiming at a second service bearer on the user terminal, sending the stored first service data to the first service terminal.

the embodiment of the invention provides a service processing device based on Near Field Communication (NFC), which comprises:

the first processing module is used for executing first service processing aiming at a first service carrier in composite service processing on a user terminal after a first service terminal establishes NFC connection with the user terminal; the first service carrier is a service carrier for bearing user information of a first application;

A second processing module, configured to control, based on the first service data after the first service processing is performed by the first processing module, to execute, to the user terminal, second service processing for a second service bearer in the composite service processing; the second service bearer is a service bearer for carrying user information of a second application.

An embodiment of the present invention provides another service processing apparatus based on NFC, including:

a receiving module, configured to receive a bridging indication message sent by a first service terminal to a second service terminal; the bridging indication message is used for indicating the second service terminal to execute second service processing aiming at a second service bearer in the composite service processing of the user terminal; the second service bearer is a service bearer for bearing user information of a second application;

a processing module, configured to execute, by the first service terminal, second service processing for the second service bearer on the user terminal based on first service data obtained after the first service processing for the first service bearer in the composite service processing executed by the first service terminal to the user terminal; the second service bearer is a service bearer for carrying user information of a second application.

The first transceiving module is used for reading user information of a first service bearer corresponding to a first application according to identification information of the first application indicated by a first service terminal after the user terminal establishes an NFC connection with the first service terminal, and sending the user information of the first service bearer to the first service terminal, so that the first service terminal executes first service processing aiming at the first service bearer in composite service processing on the user terminal;

And a second transceiver module, configured to, after receiving a user information acquisition request carrying identification information of a second application sent by the first service terminal, read user information of a second service bearer corresponding to the second application, and send the user information of the second service bearer to the first service terminal, where the second transceiver module is configured to control, by the first service terminal, second service processing for the second service bearer in the composite service processing performed on the user terminal.

In the embodiment of the invention, when the service terminal carries out composite service processing, only one-time NFC connection is needed to be established between the service terminal and the user terminal, in the whole service processing flow, the subsequent service processing in the composite service is carried out based on the service data after the previous service processing, and the manual input of the intermediate service data is not needed, so that the efficiency of the composite service processing process is improved, and the user experience of the user terminal side and the service terminal side is improved.

Drawings

fig. 1 is a schematic diagram of a conventional NFC-based service system;

Fig. 2(a) is a schematic view of service processing in a multi-service bearer scenario in the background art;

fig. 2(b) is a schematic diagram of service processing in a multi-service carrier and multi-POS terminal scenario in the background art;

fig. 3 is a flowchart of a method for processing a service based on NFC according to an embodiment of the present invention;

Fig. 4 is a schematic structural diagram of an improved NFC service processing system according to an embodiment of the present invention;

Fig. 5 is a flowchart of a service processing method based on NFC according to a second embodiment of the present invention;

FIG. 6 is a schematic diagram illustrating interaction between modules within a device according to an embodiment;

fig. 7 is a flowchart of a method for processing a service based on NFC according to a third embodiment of the present invention;

fig. 8 is a schematic diagram of interaction between modules in the device according to the third embodiment;

FIG. 9 is a schematic structural diagram of a composite service broker module;

Fig. 10 is a schematic structural diagram of an NFC-based service processing apparatus according to a fourth embodiment of the present invention;

fig. 11 is a schematic structural diagram of an NFC-based service processing apparatus according to a fifth embodiment of the present invention;

fig. 12 is a schematic structural diagram of an NFC-based service processing apparatus according to a sixth embodiment of the present invention.

Detailed Description

In the embodiment of the invention, after the first service terminal establishes the NFC connection with the user terminal, the first service processing aiming at a first service carrier in the composite service processing is executed for the user terminal, and the first service carrier is a service carrier for carrying user information of a first application; and controlling to execute second service processing aiming at a second service bearer in the composite service processing on the user terminal based on the first service data subjected to the first service processing, wherein the second service bearer is a service bearer for bearing user information of a second application. Therefore, when the service terminal performs composite service processing, only one-time NFC connection is required to be established between the service terminal and the user terminal, in the whole service processing flow, the subsequent service processing in the composite service is performed based on the service data after the previous service processing, and the manual input of the intermediate service data is not required, so that the efficiency of the composite service processing process is improved, and the user experience of the user terminal side and the service terminal side is improved.

The embodiments of the present invention will be described in further detail with reference to the drawings attached hereto.

example one

As shown in fig. 3, a flowchart of a method for processing a service based on NFC according to an embodiment of the present invention includes:

s301: after establishing NFC connection with a user terminal, a first service terminal executes first service processing aiming at a first service carrier in composite service processing on the user terminal; the first service bearer is a service bearer for carrying user information of the first application.

In a specific implementation process, an NFC connection is established between a first service terminal and a user terminal, and then, according to an execution sequence (or a switching relationship between applications) of each application corresponding to a composite service to be executed, first service processing under a first application is executed. At the user terminal side, the service bearer carrying the user information of the first application is the first service bearer, and therefore, the first service terminal actually performs the first service processing on the first service bearer of the user terminal.

S302: controlling to execute a second service processing aiming at a second service bearer in the composite service processing to the user terminal based on the first service data subjected to the first service processing; the second service bearer is a service bearer for carrying user information of the second application.

in this step, after the first service terminal completes the first service processing, the second service processing is performed on the switched second application according to the execution sequence (or the switching relationship between the applications) of each application corresponding to the composite service. The first service terminal can execute the second service processing aiming at the second service carrier in the composite service processing to the user terminal based on the first service data, and can also control other service terminals to execute the second service processing to the user terminal; when controlling the other service terminals to execute the second service processing, the other service terminals may use the first service terminal as a bridge, and the first service terminal is responsible for forwarding the information in the second service processing process. Specifically, the first service terminal determines a second application after switching according to pre-stored switching relationship information between applications, and executes a second service process for a second service bearer corresponding to the second application to the user terminal; or, the first service terminal sends a bridging indication message to a second service terminal bearing the switched second application according to the pre-stored switching relationship information between the applications and the applications borne by different service terminals, where the bridging indication message is used to indicate the second service terminal to execute the second service processing on the user terminal through the first service terminal. Examples two and three below will be further illustrated.

it can be known from the above flow that the embodiment of the present invention improves the interaction flow between the user terminal and the service terminal (e.g., POS terminal), in a complete service processing flow, the user terminal only needs to establish NFC connection with the service terminal once, if the whole service processing flow is not completed after performing a service processing once, the service terminal can perform application switching according to the prestored switching relationship information between applications, and when performing subsequent service processing, perform subsequent service processing based on the service data after the previous service processing without manually inputting intermediate service data, thereby improving the efficiency of the composite service processing process and improving the user experience at the user terminal side and the service terminal side.

The idea of an embodiment of the invention is further illustrated by means of several specific embodiments.

first, a service processing system architecture for implementing an embodiment of the present invention is described. Compared with the NFC service processing system in the background art (fig. 2(a) and fig. 2(b)), as shown in fig. 4, a schematic structural diagram of an improved NFC service processing system according to an embodiment of the present invention is shown. The embodiment of the invention is equivalent to that a composite service agent module is respectively added at the user terminal and the service terminal, and the composite service agent module is responsible for acting each service carrier to communicate with the service terminal at the user terminal, for example, the composite service agent module can search the service carrier corresponding to the identification information of the application according to the identification information of the application sent by the service terminal, and respond to the service processing of the service terminal based on the searched service carrier. At the service terminal side, the composite service agent module is responsible for communicating with composite service agent modules of other service terminals, and application switching between different service terminals is realized. In order to support the authentication and intercommunication functions of the composite service agent module of the service terminal, the embodiment of the invention can upload the corresponding relation information required when the composite service agent module of the service terminal performs user information authentication and the indication information of intercommunication switching between different service terminals and the like to the composite service agent module in advance through the terminal management platform.

Example two

The application scenarios of this embodiment are: the same service terminal carries out service processing aiming at different service carriers in the user terminal.

Fig. 5 is a flowchart of a method for processing a service based on NFC according to a second embodiment of the present invention, and fig. 6 is a schematic diagram of interaction between modules in a device corresponding to the second embodiment, where the second embodiment includes the following steps:

S501: and the first service terminal establishes NFC connection with the user terminal.

in this step, a user of the first service terminal (e.g., a POS terminal operator) selects a first application supported by the first service terminal and triggers the first service terminal to initiate an NFC connection establishment procedure. The first service terminal may send an NFC connection establishment request carrying identification information of the first application to the user terminal.

as shown in fig. 6, at the POS terminal side serving as the first service terminal, the user may select the first application a through a selection interface provided by the application management module of the POS terminal, and issue an NFC connection establishment instruction to the composite service agent module of the POS terminal through the NFC connection management module, and the composite service agent module of the POS terminal then initiates an NFC connection establishment request to the composite service agent module of the user terminal.

S502: after establishing the NFC connection with the first service terminal, the user terminal reads the user information of the first service bearer corresponding to the first application according to the identification information of the first application indicated by the first service terminal, and sends the user information of the first service bearer to the first service terminal.

in a specific implementation process, the user terminal may receive an NFC connection establishment request carrying identification information of a first application sent by a first service terminal, establish an NFC connection with the first service terminal, and determine, according to a correspondence between a service bearer and the identification information of the application, a first service bearer corresponding to the identification information of the first application in the user terminal; and reading the user information in the first service carrier, and sending the user information of the first service carrier to the first service terminal.

as shown in fig. 6, an NFC connection is established between the user terminal and the POS terminal, that is, an NFC connection is established between the composite service agent module in the user terminal and the composite service agent module in the POS terminal. The composite service agent module of the user terminal determines that the first service carrier corresponding to the first application indicated by the POS terminal is the NFS SIM1 according to the correspondence between the pre-stored service carrier and the identification information of the application, reads the user information in the NFS SIM1, including user identity information (such as information of a mobile phone number, a membership card number, a credit card number, and the like), registered application information (such as identification information of the application), and the like. And the composite service agent module of the user terminal transmits the read user information of the first service carrier to the composite service agent module of the POS terminal through the established NFC connection.

s503: the first service terminal carries out validity authentication on the user information of the first service carrier in the user terminal.

in this step, the legality authentication performed on the obtained user information of the first service bearer by the first service terminal may include:

the first service terminal carries out validity authentication on the acquired user information according to prestored legal and/or illegal user information; and/or the first service terminal carries out validity authentication on the acquired user information according to the application identification information contained in the acquired user information and the identification information of at least one application bound to the first service terminal.

that is, the authentication here may include two types, one is authentication of the user identity, and the other is confirmation of the application processing authority of the first service terminal. In the first authentication, the first service terminal stores in advance user information of various supported applications, which may include legal and/or illegal (such as blacklist users) user information, and based on the user information, the validity of the user identity corresponding to the obtained user information may be confirmed. In addition, the first service terminal also stores application information of each application bound to the first service terminal, such as identification information of the application, and by comparing the application identification information included in the acquired user information with the identification information of each application bound to the first service terminal, it is determined whether the first service terminal has a right to process the application corresponding to the acquired user information, which is actually determined whether the application corresponding to the acquired user information is the first application that the first service terminal side starts to select.

As shown in fig. 6, the first service bearer NFC SIM1 transmits the acquired user information to the composite service agent module of the user terminal, and the composite service agent module of the user terminal sends the user information to the composite service agent module of the POS terminal, and the composite service agent module of the POS terminal may push the authentication result to the authentication management module after the authentication is completed.

S504: and after the authentication is passed, the first service terminal executes first service processing aiming at the first service bearer in the composite service processing on the user terminal.

Here, the first service terminal executes a service interaction procedure for the first service bearer with the user terminal through the established NFC connection, thereby completing the first service processing. After the first service processing is completed, the user terminal and/or the first service terminal may store the first service data after the first service processing, so as to perform subsequent service processing.

as shown in fig. 6, after the authentication is passed, the authentication management module of the POS terminal may trigger the service management module to start a service processing flow, and the service management module performs service intercommunication with the first service bearer NFC SIM1 of the user terminal through the composite service agent module, for example, when the service management module processes a transaction service, the service management module obtains account information (such as a credit card number) of the NFC SIM1 through the composite service agent module of the POS terminal and the composite service agent module of the user terminal, and after deduction, notifies the transaction result (including information indicating that the transaction is successful, a transaction amount, and the like) to the NFC SIM1 through the composite service agent module of the POS terminal and the user terminal. The composite service agent module of the user terminal and/or the composite service agent module of the POS terminal stores intermediate transaction data (first service data) after this transaction, which may include user identification information, application identification information, transaction amount information (including points), transaction time, and the like.

s505: and the first service terminal determines the switched second application according to the pre-stored switching relation information between the applications, and sends a user information acquisition request carrying the identification information of the second application to the user terminal.

if the whole service process includes multiple service processing processes, after the first service terminal completes the first service processing, if the whole service processing process is determined not to be completed, the second service processing for the second service bearer in the composite service processing is started, and the first service terminal can firstly verify the user information of the second service bearer.

As shown in fig. 6, after confirming that the service processing flow is not completed (for example, the previous credit balance is insufficient and cash transaction needs to be performed), the composite service agent module of the POS terminal notifies the application management module to switch to the second application b according to the pre-stored switching relationship between the applications (for example, switch to cash payment application after the credit payment application is completed), and initiates a request for acquiring the user information of the second service bearer to the composite service agent module of the user terminal.

S506: the user terminal determines a second service carrier corresponding to the identification information of the second application in the user terminal; and reading the user information of the second service carrier and sending the user information of the second service carrier to the first service terminal.

As shown in fig. 6, the composite service agent module of the user terminal reads the user information of the second service bearer in the user terminal, including the user identity information (such as information of a mobile phone number, a membership card number, a credit card number, and the like), the registered application information (such as identification information of an application), and the like, and transmits the user information to the composite service agent module of the POS terminal.

s507: and after the first service terminal passes the legality authentication of the user information of the second service carrier, performing second service processing aiming at the second service carrier in the composite service processing on the user terminal based on the first service data subjected to the first service processing.

The process of authenticating the user information of the second service bearer by the first service terminal refers to the first service processing process, which is not described herein again. When the first service terminal performs the second service processing, the first service terminal needs to refer to the first service data after the first service processing; here, if the first service terminal stores the previous first service data, the second service data required for performing the second service processing may be determined directly according to the stored first service data after performing the first service processing, and the second service processing for the second service bearer may be performed on the user terminal according to the determined second service data. If the first service terminal does not store the previous first service data, the first service terminal may request the user terminal to acquire the first service data after the first service processing; and then, according to the first service data sent by the user terminal, determining second service data required by second service processing, and according to the determined second service data, executing second service processing aiming at a second service bearer on the user terminal.

As shown in fig. 6, the composite service agent module of the POS terminal transmits first service data a stored or obtained from the user terminal to the service management module, the service management module determines second service data b when performing a second service process based on the first service data a (for example, 30 dollars are required to be deducted in the whole transaction process, 20 dollars are deducted in the first transaction, and 10 dollars are required to be deducted in the second transaction), then, the service management module obtains account information (for example, a mobile phone account) of the second service carrier NFC SIM2 through the composite service agent module of the POS terminal and the composite service agent module of the user terminal, and after deducting, notifies a transaction result (for example, information indicating that the transaction is successful, a transaction amount, and the like) to the NFC SIM2 through the composite service agent module of the POS terminal and the user terminal.

After the second service processing is completed, if the whole service processing flow is not completed yet, the service data after the second service processing may be stored, and the processing is continued by switching to other applications according to the above-mentioned S406 to S407.

EXAMPLE III

The application scenarios of this embodiment are: and different service terminals perform service processing aiming at different service carriers in the user terminal.

as shown in fig. 7, which is a flowchart of a method for processing a service based on NFC according to a third embodiment of the present invention, fig. 8 is a schematic diagram of interaction between modules in a device corresponding to the third embodiment, where the second embodiment includes the following steps (repeated parts to the first embodiment are not described again):

S701: and the first service terminal establishes NFC connection with the user terminal.

Specifically, the first service terminal sends an NFC connection establishment request carrying identification information of the first application to the user terminal.

as shown in fig. 8, at the first POS terminal side serving as the first service terminal, the user may select the first application a through a selection interface provided by the application management module of the first POS terminal, and issue an NFC connection establishment instruction to the composite service agent module of the first POS terminal through the NFC connection management module, and the composite service agent module of the first POS terminal then initiates an NFC connection establishment request to the composite service agent module of the user terminal.

s702: after establishing an NFC connection with a first service terminal, a user terminal determines a first service carrier corresponding to identification information of a first application in the user terminal according to the identification information of the first application indicated by the first service terminal; and reading the user information of the first service carrier and sending the user information of the first service carrier to the first service terminal.

as shown in fig. 8, an NFC connection is established between the user terminal and the first POS terminal, that is, an NFC connection is established between the composite service agent module in the user terminal and the composite service agent module in the first POS terminal. The composite service agent module of the user terminal determines that the first service carrier corresponding to the first application indicated by the first POS terminal is the NFS SIM1 according to the correspondence between the pre-stored service carrier and the identification information of the application, reads the user information in the NFS SIM1, including user identity information (such as information of a mobile phone number, a membership card number, a credit card number, and the like), registered application information (such as identification information of the application), and the like. And the composite service agent module of the user terminal transmits the read user information of the first service carrier to the composite service agent module of the first POS terminal through the established NFC connection.

S703: the first service terminal carries out validity authentication on the user information of the first service carrier in the user terminal.

As shown in fig. 8, the first service bearer NFC SIM1 transmits the acquired user information to the composite service agent module of the user terminal, and the composite service agent module of the user terminal sends the user information to the composite service agent module of the first POS terminal, and the composite service agent module of the first POS terminal may push the authentication result to the authentication management module after the authentication is completed.

S704: and after the authentication is passed, the first service terminal executes first service processing aiming at the first service bearer in the composite service processing on the user terminal.

As shown in fig. 8, after the authentication is passed, the authentication management module of the first POS terminal may trigger the service management module to start a service processing flow, and the service management module performs service intercommunication with the first service bearer NFC SIM1 of the user terminal through the composite service agent module, for example, when the service management module processes a transaction service, the service management module obtains account information (e.g., credit card number) of the NFC SIM1 through the composite service agent module of the first POS terminal and the composite service agent module of the user terminal, and after deduction, notifies the transaction result (e.g., including information indicating that the transaction is successful, the transaction amount, etc.) to the NFC SIM1 through the composite service agent modules of the first POS terminal and the user terminal. The composite service agent module of the user terminal and/or the composite service agent module of the first POS terminal stores intermediate transaction data (first service data) after the transaction, which may include user identification information, application identification information, transaction amount information (including points), transaction time, and the like.

s705: after the first service terminal completes the first service processing aiming at the first service carrier, the first service terminal sends a bridging indication message to a second service terminal bearing the switched second application according to the prestored switching relation information between the applications and the applications borne by different service terminals.

In a specific implementation, if the entire service process includes multiple service processing procedures, after the first service terminal completes the first service processing, if it is determined that the entire service processing procedure is not completed, it is determined that the second service processing under the second application needs to be performed by switching to the second service terminal according to the pre-stored information of the switching relationship between the applications and the applications carried by different service terminals, and at this time, the first service terminal sends a bridging indication message to the second service terminal, which is used to indicate the second service terminal to perform the second service processing under the second application to the user terminal through the first service terminal (i.e., the first service terminal is used as a bridge for transmitting information).

As shown in fig. 8, after confirming that the service processing flow is not completed (for example, the previous credit balance is insufficient and cash transaction needs to be performed), the composite service agent module of the first POS terminal notifies the second POS terminal as the second service terminal to switch to the second application b according to the pre-stored switching relationship between the applications (for example, switch to the cash payment application after the credit payment application is completed).

S706: and after receiving the bridging indication message sent by the first service terminal, the second service terminal sends a user information acquisition request carrying the identification information of the second application to the user terminal through the first service terminal.

as shown in fig. 8, the composite service agent module of the second POS terminal notifies the application management module to switch to the second application b based on the instruction of the composite service agent module of the first POS terminal, and requests the composite service agent module of the user terminal to acquire the user information of the service bearer corresponding to the second application through the first POS terminal.

S707: the user terminal determines a second service carrier corresponding to the identification information of the second application in the user terminal; and reading the user information of the second service carrier, and sending the user information of the second service carrier to the second service terminal through the first service terminal.

as shown in fig. 8, the composite service agent module of the user terminal reads the user information of the second service bearer NFC SIM2 in the user terminal, including the user identity information (such as information of a mobile phone number, a membership card number, a credit card number, and the like), the registered application information (such as the application identification information), and the like, based on the stored correspondence between the application identifier and the service bearer, and feeds the user information back to the composite authentication agent module of the second POS terminal through the first POS terminal.

S708: and after the second service terminal passes the legality authentication of the user information of the second service carrier, performing first service processing on the user terminal based on the first service data after the first service processing, and executing second service processing aiming at the second service carrier in the composite service processing on the user terminal through the first service terminal.

The process of the second service terminal authenticating the user information of the second service bearer refers to the description of the first embodiment, which is not described herein again. When the second service terminal performs the second service processing, the second service terminal needs to refer to the first service data after the first service processing; here, if the first service terminal stores the first service data after the first service processing, the first service data may be indicated to the second service terminal by the first service terminal, at this time, the second service terminal determines the second service data for performing the second service processing according to the first service data after the first service processing indicated by the first service terminal, and performs the second service processing for the second service bearer on the user terminal through the first service terminal according to the determined second service data. If the user terminal stores the first service data, the second service terminal may also request the user terminal to acquire the first service data, at this time, the second service terminal determines second service data for performing second service processing according to the first service data sent by the user terminal through the first service terminal, and performs second service processing for the second service bearer on the user terminal through the first service terminal according to the determined second service data.

as shown in fig. 8, a service management module of a second POS terminal obtains first service data a stored in a composite service agent module of a user terminal through the composite service agent module, determines second service data b when performing second service processing based on the first service data a (for example, 30 dollars are required to be deducted in the whole transaction process, 20 dollars are deducted in the first transaction, and 10 dollars are required to be deducted in the second transaction if 20 dollars are reached in the first transaction), and executes second service processing for a second service bearer NFC SIM2 based on the second service data b.

After the second service processing is completed, if the whole service processing flow is not completed yet, the service data after the second service processing may be stored, and the service data may be continuously switched to other applications of the second service terminal or switched to other applications of other service terminals for service processing.

In the first and second embodiments, the legal and/or illegal user information, the identification information of the application bound to different service terminals, and the like are pushed to the composite service agent module in advance through the terminal management platform and the service platform, so that offline authentication of multiple serial service processing is realized. In specific implementation, legal and/or illegal user information can be pushed according to the position information of the user, the behavior data information of the user, the user attribute information (whether the user is a high-quality member or not), and the like, or the pushing of the user information can be manually triggered when business processing is required; and the switching sequence between different applications and different service terminals can be set and pushed according to the service logic.

in conjunction with the description of the first embodiment and the second embodiment, fig. 9 is a schematic structural diagram corresponding to fig. 6 and fig. 8, which is used for refining the composite service agent module.

as shown in fig. 9, the composite service broker module may include the following functional units:

The communication unit 90: the system comprises a card communication unit 901 (aiming at a composite service agent module in a user terminal) for communicating with various service carriers (such as different SIM cards, soft SIMs and the like), a service acceptance unit 902 for communicating with various service terminals (such as various POS terminals, self-service terminals, gates and the like), and a platform communication unit 903 (aiming at the composite service agent module in the service terminal) for communicating with a terminal management platform;

the application management unit 91: the communication unit 90 is responsible for extracting application data of a user (for a composite service agent module in the user terminal, the application data can be data required in a service processing process, and the like) from a service carrier of the user terminal, storing legal and/or illegal user information, and bound application identification information (for the composite service agent module in the service terminal);

the user identity authentication unit 92: and the system is responsible for reading user information (aiming at a composite service agent module in a user terminal) in a service carrier and authenticating the validity and validity of a user (aiming at the composite service agent module in a service terminal), such as the validity and validity of a mobile phone number, a membership card number, a credit card number and the like.

A service data registering unit 93, which is responsible for storing the intermediate service data, calculating the service data in the subsequent service processing, and the like;

A right management unit 94, which is responsible for managing access rights and the like of different users;

the service processing authentication unit 95 is responsible for authenticating the validity of service processing based on the binding relationship between the service terminal and the application.

a system log 96, which records a system operation log, such as a transaction record, etc.

Based on the same inventive concept, an NFC-based service processing apparatus corresponding to the NFC-based service processing method is also provided in the embodiments of the present invention, and because the principle of solving the problem of the apparatus is similar to that of the NFC-based service processing method in the embodiments of the present invention, the implementation of the apparatus may refer to the implementation of the method, and repeated details are not described again.

example four

as shown in fig. 10, a schematic structural diagram of an NFC-based service processing apparatus according to a fourth embodiment of the present invention includes:

A first processing module 101, configured to execute, on a first service terminal, a first service process for a first service bearer in a composite service process after an NFC connection is established between the first service terminal and the user terminal; the first service carrier is a service carrier for bearing user information of a first application;

a second processing module 102, configured to control, based on the first service data after the first service processing is performed by the first processing module 101, to execute, to the user terminal, second service processing for a second service bearer in the composite service processing; the second service bearer is a service bearer for carrying user information of a second application.

optionally, the second processing module 102 is specifically configured to:

determining a second application after switching according to pre-stored switching relation information between the applications, and executing second service processing aiming at a second service bearer corresponding to the second application to the user terminal; alternatively, the first and second electrodes may be,

And sending a bridging indication message to a second service terminal bearing the switched second application according to prestored switching relation information between the applications and the applications borne by different service terminals, wherein the bridging indication message is used for indicating the second service terminal to execute second service processing on the user terminal through the first service terminal.

optionally, the performing, by the second processing module 102, the second service processing for the second service bearer on the user equipment includes:

Sending a user information acquisition request carrying identification information of a second application to the user terminal, and receiving user information of a second service carrier in the user terminal fed back by the user terminal based on the identification information of the second application; and after the user information of the second service bearer passes the validity authentication, executing second service processing aiming at the second service bearer on the user terminal based on the first service data after the first service processing.

determining second service data required for performing second service processing according to first service data which is stored by the user terminal and subjected to first service processing, and performing second service processing aiming at the second service bearer on the user terminal according to the determined second service data; alternatively, the first and second electrodes may be,

Requesting the user terminal to acquire first service data after first service processing; and determining second service data required for performing second service processing according to the first service data sent by the user terminal, and executing second service processing aiming at the second service bearer on the user terminal according to the determined second service data.

EXAMPLE five

As shown in fig. 11, a schematic structural diagram of an NFC-based service processing apparatus according to a fifth embodiment of the present invention includes:

a receiving module 111, configured to receive a bridge indication message sent by a first service terminal to a second service terminal; the bridging indication message is used for indicating the second service terminal to execute second service processing aiming at a second service bearer in the composite service processing of the user terminal; the second service bearer is a service bearer for bearing user information of a second application;

A processing module 112, configured to execute, by the first service terminal, second service processing for the second service bearer on the user terminal based on first service data after the first service processing is executed by the first service terminal for the first service bearer in the composite service processing performed by the first service terminal for the user terminal; the second service bearer is a service bearer for carrying user information of a second application.

optionally, the processing module 112 is specifically configured to:

Sending a user information acquisition request carrying identification information of a second application to the user terminal through the first service terminal; receiving, by the first service terminal, user information of a second service bearer in the user terminal, which is fed back by the user terminal based on the identification information of the second application; and after the user information of the second service bearer passes the validity authentication, executing second service processing aiming at the second service bearer on the user terminal through the first service terminal based on first service data obtained after the first service processing is performed on the user terminal by the first service terminal.

optionally, the processing module 112 is specifically configured to:

Determining second service data for performing second service processing according to the first service data, indicated by the first service terminal, after the first service processing; according to the determined second service data, executing second service processing aiming at the second service bearer on the user terminal through the first service terminal; alternatively, the first and second electrodes may be,

requesting the user terminal to acquire first service data subjected to first service processing, and determining second service data subjected to second service processing according to the first service data sent by the user terminal through the first service terminal; and executing second service processing aiming at the second service bearer on the user terminal through the first service terminal according to the determined second service data.

EXAMPLE six

as shown in fig. 12, a schematic structural diagram of an NFC-based service processing apparatus according to a sixth embodiment of the present invention includes:

a first transceiver module 121, configured to, after an NFC connection is established between a user terminal and a first service terminal, read, according to identification information of a first application indicated by the first service terminal, user information of a first service bearer corresponding to the first application, and send the user information of the first service bearer to the first service terminal, where the first transceiver module is configured to, by the first service terminal, execute, by the user terminal, first service processing for the first service bearer in composite service processing;

A second transceiving module 122, configured to, after receiving a user information acquisition request carrying identification information of a second application sent by the first service terminal, read user information of a second service bearer corresponding to the second application, and send the user information of the second service bearer to the first service terminal, where the second transceiving module is configured to control, by the first service terminal, second service processing for the second service bearer in the composite service processing performed on the user terminal.

Optionally, the apparatus further comprises:

a storage module 123, configured to store first service data after the first service processing after the first service terminal completes the first service processing;

the second transceiver module 122 is further configured to: and when the first service terminal controls to execute second service processing aiming at a second service bearer on the user terminal, sending the stored first service data to the first service terminal.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

these computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims

1. A service processing method based on Near Field Communication (NFC), the method comprising:

controlling to execute a second service process aiming at a second service bearer in the composite service process to the user terminal based on the first service data after the first service process is carried out; the second service bearer is a service bearer for bearing user information of a second application;

Wherein the controlling, by the first service terminal, a second service process for a second service bearer in the composite service process performed on the user terminal includes:

and the first service terminal sends a bridging indication message to a second service terminal bearing the switched second application according to prestored switching relation information between the applications and the applications borne by different service terminals, wherein the bridging indication message is used for indicating the second service terminal to execute the second service processing on the user terminal through the first service terminal.

2. The method of claim 1, wherein the first service terminal performing, to the user terminal, second service processing for a second service bearer corresponding to the second application comprises:

3. the method of claim 1 or 2, wherein the first service terminal performing, to the user terminal, second service processing for the second service bearer comprises:

4. a service processing method based on Near Field Communication (NFC), the method comprising:

based on first service data after the first service processing aiming at a first service bearer in the composite service processing executed by the first service terminal to the user terminal, the second service terminal executes second service processing aiming at a second service bearer to the user terminal through the first service terminal; the second service bearer is a service bearer for bearing user information of a second application;

and the first service terminal establishes NFC connection with the user terminal.

5. the method of claim 4, wherein the second service terminal performing, by the first service terminal, the second traffic processing for the second traffic bearer for the user terminal, comprises:

6. the method of claim 4 or 5, wherein the second service terminal performing, by the first service terminal, the second traffic processing for the second traffic bearer for the user terminal, comprises:

7. a service processing method based on Near Field Communication (NFC), the method comprising:

8. The method of claim 7, wherein the method further comprises:

9. a service processing device based on Near Field Communication (NFC), the device comprising:

a second processing module, configured to control, based on the first service data after the first service processing is performed by the first processing module, to execute, to the user terminal, second service processing for a second service bearer in the composite service processing; the second service bearer is a service bearer for bearing user information of a second application;

Wherein the second processing module is specifically configured to:

10. The apparatus of claim 9, wherein the second processing module performing second traffic processing for a second traffic bearer for the user terminal comprises:

11. the apparatus of claim 9 or 10, wherein the second processing module performing second traffic processing for a second traffic bearer on the user terminal comprises:

12. a service processing device based on Near Field Communication (NFC), the device comprising:

A processing module, configured to execute, on the basis of the first service terminal, first service data after first service processing for a first service bearer in the composite service processing performed by the user terminal, where the second service terminal executes, by the first service terminal, second service processing for the second service bearer for the user terminal; the second service bearer is a service bearer for bearing user information of a second application;

13. the apparatus of claim 12, wherein the processing module is specifically configured to:

14. the apparatus of claim 12 or 13, wherein the processing module is specifically configured to:

15. a service processing device based on Near Field Communication (NFC), the device comprising:

16. the apparatus of claim 15, wherein the apparatus further comprises:

A storage module, configured to store first service data after first service processing after the first service terminal completes the first service processing;

The second transceiver module is further configured to: and when the first service terminal controls to execute second service processing aiming at a second service bearer on the user terminal, sending the stored first service data to the first service terminal.